Am I Eligible for This Program?

Oregon’s Homeowner Assistance Fund is opening in phases to focus early efforts on homeowners who are most at risk of foreclosure and displacement.

In order to apply, homeowners must meet the general eligibility requirements listed below AND the criteria listed under the current or previous phases. General eligibility includes homeowners who meet the following requirements: 

  1. You are living at the property.
  2. You are listed as a borrower on the mortgage or are the owner of the property. 
  3. You have experienced financial hardship due to the coronavirus pandemic after January 21, 2020.  
  4. You meet one of the following income limit conditions:
    • Past-Due Payment Relief: Homeowners must be at or below 150% Area Median Income or 100% of the median income for the United States, whichever is greater. (See chart | Ver gráfico).
    • Ongoing Payment Relief: Homeowners must be at or below 100% Area Median Income or 100% of the median income for the United States, whichever is greater. (See chart | Ver gráfico).

For more details on general eligibility, see the Frequently Asked Questions page.

When Can I Apply?

Oregon Housing and Community Services is working to assist homeowners at risk of losing their homes, giving early priority to those most at risk of foreclosure or who have the fewest loss mitigation options.

Homeowners who meet the general eligibility requirements above may only apply for the Oregon Homeowner Assistance Fund during the phase that applies to their situation. If your application is submitted before you are eligible, it will be withdrawn and you will need to reapply during the correct phase to ensure the application contains up-to-date information.

All dates below are subject to change. Please check back regularly to ensure you meet the current phase criteria before submitting your application. Answer our prequalification questions in English or Spanish to find out when you are eligible to apply.

Now Accepting Phase 1 – 3 Applications

Homeowners who meet the general eligibility requirements above and one or more of the following criteria may apply during these phases.

  • Homeowners in active foreclosure (sheriff’s sale date, judicial case, notice of default with sale date).
  • Homeowners with chattel loans (for manufactured homes) and land sale contracts in default and at risk of foreclosure.
  • Homeowners who are in the property tax redemption period after their past-due property tax lien has been foreclosed by the county. The redemption period is the amount of time allowed to pay off back taxes, plus interest and fees, after a tax lien foreclosure.
  • Homeowners who received a certificate of compliance from the Oregon Foreclosure Avoidance program. The certificate allows the servicer or beneficiary to initiate a foreclosure within one year
  • Homeowners with private mortgages or Individual Tax Identification Number (ITIN) loans that are 120+ days delinquent and at risk of foreclosure
  • Seniors with reverse mortgages who are in default and at risk of foreclosure (whether or not Home Equity Conversion Mortgages, or HECMs)
  • Homeowners traditionally underserved or less able to recover, including those who are:
    • Elderly (62+) 
    • Living with a disability (with proof of benefits)  
    • Rural (determined by ZIP Code
    • Socially disadvantaged individuals (defined by the U.S. Treasury), including Black, Indigenous, Latino/a/x, Asian, and Pacific Islander households, and members of federally recognized Tribes
    • Limited English proficiency 
    • Displaced due to property destruction from a state-recognized natural disaster

Do you meet these criteria? See How to Apply.

Phase 4: TBD

All homeowners who meet the general eligibility requirements above may apply during this phase only if there are enough program funds left to administer.  

What’s Next?

Learn more about the Oregon Homeowner Assistance Fund’s process to apply and required documents

Oregon Housing and Community Services has paused accepting new Homeowner Assistance Fund applications to process current applications and conduct system maintenance. Homeowners in active foreclosure can still submit an application through a free housing counselor. Information on when and how the HAF program will reopen will be announced in early 2023.